发布时间 : 星期日 文章个人住房贷款中不良信贷风险管理研究毕业论文更新完毕开始阅读
毕业论文
题 目 个人住房贷款中不良信贷风险管理研究 学 院 经济学院 专 业 金融学
济南大学毕业论文
摘 要
随着我国金融体系建设的进一步发展和市场体制的迅速完善，银行的贷款业务逐渐向个人完全展开，个人贷款的业务种类不断增多，业务范围持续扩大，特别是个人住房贷款业务的发展更为迅猛。我国个人住房贷款业务在其发展的同时，存在的不良信贷风险问题以及竞争形势不容乐观，在一定程度上阻碍了个人住房贷款业务的发展，要持续快速发展，必须加强对一系列问题的研究管理。本文从分析目前我国个人住房贷款业务的发展现状入手，指出存在的问题以及问题出现的原因，并着重针对商业银行如何发展好个人住房贷款业务减少不良信贷风险，借鉴国外的经验教训，并提出思考及相应对策进行管理，以加快这一业务的正确快速发展。
关键词：个人住房贷款；不良信贷风险；现状；问题；对策
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济南大学毕业论文
ABSTRACT
With the deepening of China's economic system reform development and continuous improvement of the system of the market economy, banks ' lending business becomes completely open to individuals, personal loans of business growing, continues to expand the scope of business, especially the development of individual housing loan more quickly. Personal housing loan business in China at the time of its development, there are bad credit risks as well as the competitive situation is not optimistic, to a certain extent, hamper the development of individual housing loans, to sustainable development, research management must be strengthened on a number of issues. This article from the current development status of individual housing loan business to start, pointed out that because of the existing problems as well as problems and focus on how to develop personal housing loan bad credit risk reduction, foreign experiences and lessons learned, and thoughts and countermeasures for management, to promote the healthy and rapid development of the business.
bad credit risks；present situation；problem；countermeasure Key words: housing loans to individuals；
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济南大学毕业论文
目 录
摘要........................................................................................................................................I ABSTRACT...........................................................................................................................II 一、前言................................................................................................................................1
(一) 个人住房贷款概述...............................................................................................1 1. 个人住房贷款的定义.......................................................................................1 2. 个人住房贷款的特征.......................................................................................1
(二) 我国个人住房贷款不良信贷风险概述...............................................................2 1. 个人住房贷款不良信贷风险定义………….…………………………..……2 2. 个人住房贷款不良信贷风险种类…………………………………….……..2 二、我国个人住房贷款业务发展现状................................................................................3 (一) 我国个人住房贷款发展情况...............................................................................3 (二) 我国个人住房贷款业务地位...............................................................................4 三、我国个人住房贷款不良信贷风险产生的原因............................................................6
(一) 我国个人住房贷款欠款形成的外部原因……………………….......................6 1. 源于借款人的原因……………………………………………………..…….6 2. 源于开发商的原因……………………..………….…………………………6 (二) 银行自身管理不足导致不良信贷风险产生.......................................................6
1. 风险管理组织组成尚不健全...........................................................................6
2. 现行风险部门设置模式不适应………………………………………...……7 3. 银行内部管理不健全………………………………………………………...7 4. 个人信用防范制度存在缺陷………………………………………………...7
四、个人住房贷款不良信贷风险管理中存在的问题........................................................8 (一) 我国商业银行个人住房不良贷款状况…...........................................................8
(二) 个人住房贷款不良信贷风险管理中出现的问题...............................................9
1. 个人住房贷款楼盘准入标准不规范………………………………...…..…..9
2. 个人住房贷款客户不需要评级……………………………………....…..….9 3. 个人收入证明虚假………………………..……………………….………....9 4. 个人房屋产权证明不规范………………………………………..…….…....9 (三) 个人住房贷款不良信贷风险管理出现的问题分析………………………..….9 五、个人住房贷款不良信贷风险管理发展的经验借鉴和建议......................................11 (一) 个人房贷违约风险定量评价模型和指标审批体系.........................................11 1. 完善个人房贷违约风险定量评价模型.........................................................11 2. 科学的审批标准…………………………………………….........................11 - III -